ZIP 74820 Property Distress & Foreclosure Data

Pontotoc County, Oklahoma's ZIP 74820 registers 16/100 composite distress, which DLRadar reads as low. The most distinctive pressure shows up in structural risk (35/100), institutional ownership (19/100), mortgage stress (9/100). By contrast, institutional ownership (19/100) and mortgage stress (9/100) register low. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100), climate & FEMA risk (63/100). On the structural side it scores 35/100, with 3/100 of stress already active.

The market reads peak — home values rose 3.4% year on year, and 10% higher over three years (phase confidence 28/100). Topping markets hide individual distress behind strong averages.

Median household income is $62,359, below the U.S. median near $78,000. Educational attainment sits at 31% bachelor's-or-above. About 31,679 people live here, median age 37. DLRadar's demographic-stress index for the area reads 28/100. Around 28% of renters are cost-burdened. The ZIP holds roughly 14,552 housing units. 11.9% of residents fall below the poverty threshold. The vacancy rate is 13.7% — elevated. Home values center near $181,400, an affordability ratio of 2.9× — accessible. Owners hold 63% of homes, renters 37%.

Net-net, 74820 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.